Pleo vs SAP Concur
expense management head-to-head for ERP teams: evidenced capabilities, published pricing, and which ERPs each actually integrates with.
| Starting price | Per-user subscription plus card issuance | Quote-based |
| Deployment | Cloud | Cloud |
| Company size | SMB, Mid-market | Mid-market, Enterprise |
| Stated ERP integrations | NetSuite, Xero, QuickBooks | SAP, NetSuite, Oracle Fusion Cloud, Microsoft Dynamics 365, QuickBooks |
| Vendor | Pleo | SAP |
Our take
Where Pleo leads
- Stronger evidenced coverage on 7 of the 33 capabilities where they differ (led by physical and virtual card issuance and per-card spend limits and merchant controls).
- Stated Xero integration the alternative doesn't list.
Where SAP Concur leads
- Stronger evidenced coverage on 26 of the 33 capabilities where they differ (led by receipt ocr capture and configurable expense policy rules).
- Stated SAP, Oracle Fusion Cloud, Microsoft Dynamics 365 integration the alternative doesn't list.
Where they differ
The 33 capabilities (of 47 in the expense management taxonomy) where the evidence separates them, biggest gaps first. “Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
| Capability | ||
|---|---|---|
| Receipt OCR captureExpense & Receipt Capture | Not evidenced | Core strength Mobile receipt photo capture with OCR via ExpenseIt |
| Physical and virtual card issuanceCorporate Card Management | Core strength Physical and virtual cards | Not evidenced |
| Per-card spend limits and merchant controlsCorporate Card Management | Core strength Per-card spending limits and controls | Not evidenced |
| Real-time spend controlsCorporate Card Management | Core strength Real-time purchase categorization | Not evidenced |
| Configurable expense policy rulesPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Configurable expense policy rules |
| Fraud and anomaly detectionPolicy, Compliance & Fraud Controls | Not evidenced | Core strength Fraud and duplicate detection via spend pattern analysis |
| Multi-level approval workflowsApproval Workflows | Not evidenced | Core strength Multi-level approval workflows |
| Integrated travel bookingTravel Management | Not evidenced | Core strength Integrated travel booking (Concur Travel) |
| Configurable analytics and reportingBudgeting, Spend Visibility & Reporting | Not evidenced | Core strength Configurable analytics (Concur Intelligence) |
| Third-party app marketplacePlatform, Administration & Integrations | Not evidenced | Core strength App Center marketplace with 900+ partners |
| Mobile app receipt captureExpense & Receipt Capture | Not evidenced | Supported Mobile receipt photo capture with OCR via ExpenseIt |
| Email-forwarded receipt captureExpense & Receipt Capture | Not evidenced | Supported Email-forwarded and e-receipt capture |
| Receipt itemizationExpense & Receipt Capture | Not evidenced | Supported Receipt itemization and categorization |
| Duplicate expense detectionExpense & Receipt Capture | Not evidenced | Supported Fraud and duplicate detection via spend pattern analysis |
| Per diem automationExpense & Receipt Capture | Not evidenced | Supported Mileage and per diem capture |
| Card feed import and reconciliationCorporate Card Management | Not evidenced | Supported Corporate card feed import and matching |
| Audit trail and receipt verificationPolicy, Compliance & Fraud Controls | Not evidenced | Supported Audit rules and receipt verification |
| Delegate and proxy approvalsApproval Workflows | Not evidenced | Supported Delegate and proxy approvals |
| Configurable approval routingApproval Workflows | Not evidenced | Supported Multi-level approval workflows |
| Supplier invoice capture and OCRAccounts Payable / Invoice Management | Not evidenced | Supported Invoice capture and digitization |
| Purchase order / request matchingAccounts Payable / Invoice Management | Not evidenced | Supported Purchase request and PO matching |
| Invoice approval routingAccounts Payable / Invoice Management | Not evidenced | Supported Invoice approval routing |
| Itinerary and trip-change managementTravel Management | Not evidenced | Supported Itinerary and trip management |
| Duty-of-care traveler trackingTravel Management | Not evidenced | Supported Duty-of-care and traveler tracking |
| Travel-to-expense linkageTravel Management | Not evidenced | Supported Automatic linkage of travel spend to expense reports |
| Open APIPlatform, Administration & Integrations | Not evidenced | Supported Open APIs for custom integrations |
| SSO and enterprise identity integrationPlatform, Administration & Integrations | Not evidenced | Supported Single sign-on and identity integration |
| Out-of-policy flaggingPolicy, Compliance & Fraud Controls | Supported Policy violation flagging | Core strength Out-of-policy flagging on submission |
| AI-driven policy reviewPolicy, Compliance & Fraud Controls | Partial AI used for receipt/VAT matching, not a distinct policy-enforcement agent. | Not evidenced |
| Local tax / VAT compliance dataPolicy, Compliance & Fraud Controls | Partial AI VAT matching; not framed as broad multi-country tax compliance. | Not evidenced |
| Out-of-pocket expense reimbursementReimbursement & Payouts | Core strength Out-of-pocket expense reimbursement | Supported Reimbursement processing |
| Real-time spend dashboardsBudgeting, Spend Visibility & Reporting | Core strength Real-time spend dashboards | Supported Spend dashboards and standard reports |
| Prebuilt ERP / accounting connectorsPlatform, Administration & Integrations | Supported Direct sync to Xero, Sage, Dynamics 365 and NetSuite. | Core strength Prebuilt ERP, HR and card connectors |
Both grade identically on the other 14 capabilities — see each product's full profile: Pleo, SAP Concur.
Pleo vs SAP Concur — FAQs
Is Pleo or SAP Concur better for ERP integration?
Both state integrations with NetSuite, QuickBooks. Pleo additionally lists Xero. SAP Concur additionally lists SAP, Oracle Fusion Cloud, Microsoft Dynamics 365. Always verify the connector against your ERP version with a reference customer.
Which is cheaper, Pleo or SAP Concur?
Neither publishes a list price — both quote. Ask each for the all-in first-year cost at your seat count, as one number, and compare those.
Get pricing for both
Tell us your ERP, seat count and must-haves and we'll come back with an independent view of what Pleo and SAP Concur should each cost you — and whether a third option belongs on your shortlist.